Your debit card has daily transaction limits set by your bank — and if your Split Pay payment exceeds that limit, the payment can fail.
The most common scenario:
You have a debit card with a $1,000/day spending limit. Your first Split Pay payment is $1,200 (because your rent is $2,400 and you're approved at 50%). When Split Pay tries to charge your card, your bank declines the transaction because it's over your daily limit. The payment fails.
How to know if this is your problem:
Your bank shows a declined attempt on your debit card around the time of your Split Pay charge
The amount we tried to charge was unusually high
You haven't recently raised your debit card limits with your bank
What to do:
Option 1: Raise your daily limit temporarily
Most banks let you raise your debit card limit through their app or by calling customer service. Common workflow:
Call your bank or open their app
Ask to raise your daily debit card limit for [date of upcoming Split Pay payment]
Many banks will raise it for that day specifically, no permanent change needed
Option 2: Use a different debit card with a higher limit
If you have a second debit card with a higher daily limit, switch your default payment method in the Split Pay app.
Option 3: Make sure your payment fits within the limit
Some banks allow you to make smaller, multiple transactions in a day that add up to higher than your "single transaction" limit. But Split Pay payments are processed as a single transaction, so it has to fit under that single-transaction cap.
Important — Split Pay can't split your Split Pay payment to fit your limit. The first and second payments are set amounts, and we don't break them into smaller chunks.
One thing to know: ATM withdrawal limits and debit card spending limits are usually different. You're looking for the spending/purchase limit, not the ATM cap.
If you've had a Split Pay payment fail and you suspect it's a limit issue, get in touch — we can confirm what happened and help you set up the next attempt.